Citi Account Shutdown (2016)
Feb 10, 2016, 2:50 pm
#76
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,755
Individual WMT seems to have a lot of power to set its own policy even as basic as price match. In my area there is one WMT superstore refuses to price match produces yet every other one that has produce section continues to match.
Cycling CL is a serious offender. When the accounts are shut down, the Primary Owner also suffer the consequence even only the AU abuses the card.
Feb 10, 2016, 4:26 pm
#77
Suspended
Join Date: Jun 2014
Posts: 292
Didn't see this but got call from CITI the other day asking about the source of funds for my WM BP payments. Told her it was from my employment and I sent them from my other bank account (she spoon fed me) and didn't get shut down.
Feb 10, 2016, 4:27 pm
#78
Suspended
Join Date: Jun 2014
Posts: 292
The way WMBP/CheckFree processes these payments is they send an ACH from their BOA account. This is info from Discovercard.
Feb 10, 2016, 5:14 pm
#79
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,755
How many / often are the WMBPs?
I am confused - are the WMBPs for Discovercard brand or for Citicards?
Feb 10, 2016, 6:10 pm
#81
Join Date: Sep 2012
Location: HNL
Programs: Aadvantage ExPlt, SPG Platinum 100, Alaska 75K
Posts: 372
Wife and I were canned on 10/1/15. Eight cards went down, 5 aa personal, one aa biz, and two prestige. I did the following on the cards:
Msed about 150-200k for the year, but never cycled the lines
made many 1000's of dollars of payments in branch with money orders
did wmtbp, although very little if any in 2015
used the cards very sparingly for non ms purchases.
We didn't churn execs and in fact all of the cards had been open for at least a year. We also didn't have any checking or savings accounts, and we didn't do debit phone payments. We never paid an af since I always called in and got them to comp it. Other ms friends of mine lost their cards that same week.
Letter I got in the mail said they didn't wish to continue to do business with us.
Msed about 150-200k for the year, but never cycled the lines
made many 1000's of dollars of payments in branch with money orders
did wmtbp, although very little if any in 2015
used the cards very sparingly for non ms purchases.
We didn't churn execs and in fact all of the cards had been open for at least a year. We also didn't have any checking or savings accounts, and we didn't do debit phone payments. We never paid an af since I always called in and got them to comp it. Other ms friends of mine lost their cards that same week.
Letter I got in the mail said they didn't wish to continue to do business with us.
Feb 10, 2016, 6:18 pm
#82
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,755
Wife and I were canned on 10/1/15. Eight cards went down, 5 aa personal, one aa biz, and two prestige. I did the following on the cards:
Msed about 150-200k for the year, but never cycled the lines
made many 1000's of dollars of payments in branch with money orders
did wmtbp, although very little if any in 2015
used the cards very sparingly for non ms purchases.
We didn't churn execs and in fact all of the cards had been open for at least a year. We also didn't have any checking or savings accounts, and we didn't do debit phone payments. We never paid an af since I always called in and got them to comp it. Other ms friends of mine lost their cards that same week.
Letter I got in the mail said they didn't wish to continue to do business with us.
Msed about 150-200k for the year, but never cycled the lines
made many 1000's of dollars of payments in branch with money orders
did wmtbp, although very little if any in 2015
used the cards very sparingly for non ms purchases.
We didn't churn execs and in fact all of the cards had been open for at least a year. We also didn't have any checking or savings accounts, and we didn't do debit phone payments. We never paid an af since I always called in and got them to comp it. Other ms friends of mine lost their cards that same week.
Letter I got in the mail said they didn't wish to continue to do business with us.
The pressure of compliance is big on the banks which are required to be on the look out of ML - one of the areas to monitor is the source of funds to pay off the debts. Banks rather fire the customers than incur large costs to meet the compliance requirements.
Last edited by Happy; Feb 10, 2016 at 6:52 pm
Feb 10, 2016, 6:28 pm
#83
Join Date: Dec 2009
Location: DEN
Posts: 502
Most banks don't list much detail on WMBP/Checkfree payments. OP just meant Discover gives out more info that these WMBP/Checkfree always come from the same BOA account. E.g. if you do a WMBP/Checkfree to Discover card then it shows up as BANK OF AMERICA, NA ending 3589.
Feb 10, 2016, 6:37 pm
#84
Join Date: Aug 2010
Location: LAS, MPL
Programs: DL Platinum, 1 MM
Posts: 1,320
Had one of my HHonors cards shut down on 2/1. They sent a notice of account closure e-mail referring to a message in the message center. That message just said account was shut down for lack of activity, "apparently it wasn't a good fit". My other HH card is still open, didn't have any activity either but was a bit newer.
Feb 10, 2016, 6:44 pm
#85
Join Date: Oct 2014
Programs: All of them
Posts: 1,664
I'm willing to bet many of those shut down routinely got their balance into negative territory, as it's hard to time payments from outside sources. You must only pay balances that are actually posted and never overpay ahead of time. Many banks view it as a big no-no.
Feb 10, 2016, 7:21 pm
#86
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Had one of my HHonors cards shut down on 2/1. They sent a notice of account closure e-mail referring to a message in the message center. That message just said account was shut down for lack of activity, "apparently it wasn't a good fit". My other HH card is still open, didn't have any activity either but was a bit newer.
Banks cancelling cards for "inactivity" is decades old, but each bank has different standards for how long a card can go unused before it closes it for "inactivity".
Feb 11, 2016, 8:19 am
#87
Suspended
Join Date: Jun 2014
Posts: 292
WMBPs were sent to the Citicard. In the past when I paid Discovercard through WMBP, I learned they sent ACHs from a BOA account.
Feb 11, 2016, 8:25 am
#88
Join Date: May 2011
Programs: Spg Gold, Hilton Diamond, Hyatt Diamond
Posts: 1,578
How long had you gone without using the card that got cancelled for "inactivity", and how long for the card that is still open?
Banks cancelling cards for "inactivity" is decades old, but each bank has different standards for how long a card can go unused before it closes it for "inactivity".
Banks cancelling cards for "inactivity" is decades old, but each bank has different standards for how long a card can go unused before it closes it for "inactivity".
months so I charge a small amount occasionally in the remaining 2 .
Feb 11, 2016, 8:40 am
#89
Join Date: Mar 2007
Posts: 375
My wife got a letter asking to call back to talk about "account activity". When she called she was asked about massive giftcard purchases, several payments on the same day from different sources (real banks, not WMBP) and purchase transactions at different banks (balance funding/transferring). Her accounts are still alive, but I don't know yet how it will end up.
Now I am worried about her points. What is the best way to save points now? Is selling points still Ok?
Now I am worried about her points. What is the best way to save points now? Is selling points still Ok?
Feb 11, 2016, 10:17 am
#90
Join Date: Jul 2006
Location: LAX
Programs: AA Lifetime Plat, HH Diamond
Posts: 283
My wife got a letter asking to call back to talk about "account activity". When she called she was asked about massive giftcard purchases, several payments on the same day from different sources (real banks, not WMBP) and purchase transactions at different banks (balance funding/transferring). Her accounts are still alive, but I don't know yet how it will end up.
Now I am worried about her points. What is the best way to save points now? Is selling points still Ok?
Now I am worried about her points. What is the best way to save points now? Is selling points still Ok?